Anthony B Foster
Financial Services
Clermont,FL
Summary
Capitalization of Financial Banking , Investment Industry, Mortgage and Timeshare industry. Sound knowledge of federal regulations for Post Close processing, Default Mortgage and Real Estate underwriting processes. Skilled in evaluating Financial Real Estate, Mortgage Processing Documents executed for County Compliance Regulations.
Overview
13
13
years of professional experience
Work History
Mortgage Servicing Specialist
Truist Bank
Orlando, FL
08.2021 - Current
- Use critical thinking to break down problems, evaluate solutions and make decisions.
- Assist clients with Escrow Analysis calculations, Insurance and Tax procedures,
- Provide Private Mortgage guidelines and mortgage operational processing
- Adhere to Fannie Mae, Freddie Mac, Bank and Mortgage policy procedures.
- Process mortgage payments escrow shortage payments reply to Recast calculation request.
- Explained very technical financial information to applicants in easy to understand language.
Financing Mortgage Services (Remote)
Holiday Inn Club Vacations Inc
Orlando, FL
02.2020 - Current
- Processed payments for Mortgage, Maintenance and Club Dues applied to Timeshare Condo Holiday Inn Club Vacation Inc. owners.
- Exceptional Inbound/Outbound customer service skills with satisfaction by finding creative solutions to financial problems and account delinquencies.
- Set up payment plans and calculate finance charges and late fees to payoff balances due.
- Handle for over 60 calls per day while maintaining calm and professional demeanor in challenging circumstances.
- Discussed finance options with delinquent past due clients in terms of proposed solutions or Deed in Lieu and Foreclosure options.
- Offer Loss Mitigation repay options: Re-Age, Refinance and Deferred Mortgage plans for qualified accounts.
Mortgage Specialist-Lien Release Specialist
Suntrust Bank Inc./Truist Bank Inc.
Richmond, VA
03.2016 - 06.2018
- Prepare and Recorded Assignments , Deeds, Mortgage Collateral Instruments, Quit Clam Deeds, Power of Attorney, Satisfaction of Mortgage(s), to release lien from properties after Note has been paid off.
- Coordinated all Compliance County Filing deadlines and executed 50 Files per day to release paid-off loans in a timely manner.
- Verified Mortgage Loan Files for Recorded Documents to process with release documents to send to county .
- Successfully communicate with Attorneys, Title Agents, Settlement Agents and Real Estate Brokers to process Lien Release request of Paid-off accounts within state and county-compliance deadline.
- Monitored loan serving agreements and loan covenants to ensure compliance.
Loss Mitigation Specialist II
RBS Citizen Financial Bank (Contract)
Richmond, VA
06.2014 - 01.2015
- Compile Bank Account Statements, Credit Reports Tax Transcripts and Employment
- Complied Financial Information from Defaulted Customer to determine if qualified for a bank loan modification, Short Sale or Deed in Lieu or to begin foreclosure potential process.
- Examined loan history profile to qualify for Government Home Modification programs and Mortgage debt adjustment options.
- Generated Credit Reports, Appraisals and Tax Transcripts to qualify for modifications.
- Process 40 Files per day preparing loan modification for term and payment reconstruction on default accounts.
Compliance Document Reviewer-(Contract)
SunTrust Mortgage Inc (Contract)
Richmond, VA
03.2013 - 04.2014
- Reviewed Paid-Off Mortgage loans Security Instruments and Title policies for closed Mortgage loans.
- Analyzed all mortgage documents Notes, 1003, 1008, DU/LP etc. to determine if lender in compliance with State and Sun Trust requirements.
- Processed FHA/VA, along with all conventional loans that meets Fannie Mae and Freddie Mac guidelines.
- Utilized checklist used to review required mortgage documents needed to determine if loan has all proper documents.
- Occasionally assisted Funding Departments with process of loans to be funded by SunTrust Mortgage to purchase and/or sell to Fannie Mae and Freddie Mac.
Customer Service Representative/Call Center Fraud
Capital One Bank Corporation
Glen Allen, VA
01.2011 - 04.2013
- Telephone Customer Service for Bank Account Holders of Debit Card Fraud Disputes.
- Investigate credit card transactions and merchant charges to validate process.
- Communicate with Master Card/ Visa to verify transaction for fraudulent activity
Loss Mitigation conference calls with Merchants to settle and resolve disputes. - Generate provisional credits to bank accounts until fraud claim has been completed.
- Answered constant flow of customer calls with up to 90 calls in queue per day.
Mortgage Loss Mitigations Specialist
Mortgage Outreach Services Inc (Contract)
Glen Allen, VA
03.2009 - 04.2010
- Coordinated and process Home Affordable Modification Program (H.A.M.P.) loans for defaulted mortgage accounts 120 days late and older.
- Facilitated eligibility requirements through underwriting home loan government guidelines.
- Pre-Qualify applicants financial qualifications and document verification via Telephone and mail.
- Processed 25 accounts of Citibank Home Affordable Modification Loan products for eligible accounts per day.
- Generate all documents for Modification to start in a timely manner.
- Gather banking and financial requirements and property data requirements to process modifications.
Financial Advisor-Registered Representative
John Hancock Financial Inc
Astoria, NY
02.2006 - 04.2009
- Financial sales for multi-investment, annuities, retirement products.
- Processed Comprehensive Life and Health Insurance accounts.
Intensive prospecting and marketing techniques to grow business. - Capitalized on gaps in market and reached out personally to potential new clients.
- Annual sales peaked to $110, 000 for Life Insurance and Annuity new accounts
Education
Some College (No Degree) - Business Administration And Management
York College Of The City University Of New York
Jamaica, NYSome College (No Degree) - Business Administration
Queensborough Community College Of The City University Of New York
Oakland Gardens, NYSome College (No Degree) - Marketing
Wesley College
Dover, DESkills
- Loss Mitigation and Collection Experience
- Mortgage Loan Processing Skills
- Post Closing Mortgage Document Support
- Loan Origination Support
- Strong Banking Background
- Financial Analysis Aptitude
- Call Center Customer Service Skills
- Experience with Black Knight’s MSP servicing systems
Timeline
Mortgage Servicing Specialist
Truist Bank
08.2021 - Current
Financing Mortgage Services (Remote)
Holiday Inn Club Vacations Inc
02.2020 - Current
Mortgage Specialist-Lien Release Specialist
Suntrust Bank Inc./Truist Bank Inc.
03.2016 - 06.2018
Loss Mitigation Specialist II
RBS Citizen Financial Bank (Contract)
06.2014 - 01.2015
Compliance Document Reviewer-(Contract)
SunTrust Mortgage Inc (Contract)
03.2013 - 04.2014
Customer Service Representative/Call Center Fraud
Capital One Bank Corporation
01.2011 - 04.2013
Mortgage Loss Mitigations Specialist
Mortgage Outreach Services Inc (Contract)
03.2009 - 04.2010
Financial Advisor-Registered Representative
John Hancock Financial Inc
02.2006 - 04.2009
Some College (No Degree) - Business Administration And Management
York College Of The City University Of New York
Some College (No Degree) - Business Administration
Queensborough Community College Of The City University Of New York
Some College (No Degree) - Marketing
Wesley College
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